you have technology change, you have substitution, you have competition. that's what's happening to us. people pay bills online. when you lose 30 billion pieces of mail, that's what's continuing to affect this organization and it will continue. and as you have options to go electronically with advertising mail or electronically with first-class bill presentiment and statements, which is a scary thought for us. that's why we have to keep the price right and the service levels where they are, that is a major threat. the prefunding issues are solveable 100% by managing our own health care and it's not managed by a bunch of people in the postal service. we've depeeted, just like any other person sitting in this room. there are people in this room enjoying very good health plans because your companies have competed it. you've gotten good benefits and you're able to address those things into the future. the key for the health care, it's not we want to run away from our responsibilities. we want to pay exactly what we should play. if the postal service is paying